*{margin:0;padding:0;box-sizing:border-box}
:root{--navy:#1a3a5c;--blue:#2a6496;--ink:#26323d;--muted:#5b6875;--line:#e3e7eb;--bg-soft:#f4f7fa}
body{font-family:'Segoe UI',Tahoma,Geneva,Verdana,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{color:var(--blue)}
img{max-width:100%}

/* Top bar / nav */
.topbar{background:var(--navy);color:#fff;font-size:.9rem;text-align:center;padding:6px 16px}
.topbar a{color:#fff;font-weight:600;text-decoration:none}
nav.main{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;background:#fff;padding:12px 24px;position:sticky;top:0;z-index:10;box-shadow:0 2px 6px rgba(0,0,0,.08)}
nav.main .brand{font-weight:800;font-size:1.25rem;color:var(--navy);text-decoration:none}
nav.main .links{display:flex;gap:22px;flex-wrap:wrap}
nav.main .links a{text-decoration:none;color:var(--navy);font-weight:600}
nav.main .links a:hover{color:var(--blue)}
.btn{display:inline-block;background:var(--navy);color:#fff!important;text-decoration:none;padding:12px 22px;border-radius:8px;font-weight:700;border:none;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--blue)}
.btn.light{background:#fff;color:var(--navy)!important}
.btn.light:hover{background:#e8eff6}
nav.main .btn{padding:8px 16px}

/* Hero */
.hero{background:linear-gradient(135deg,#1a3a5c,#2a6496);color:#fff;text-align:center;padding:72px 20px}
.hero h1{font-size:2.6rem;line-height:1.2;max-width:820px;margin:0 auto 14px}
.hero p{font-size:1.2rem;max-width:720px;margin:0 auto}
.hero .cta{margin-top:26px;display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.hero .phone{margin-top:18px;font-size:1.2rem;font-weight:700}
.hero .phone a{color:#fff}

/* Sections */
section{max-width:960px;margin:0 auto;padding:56px 20px}
section h2{text-align:center;font-size:2rem;margin-bottom:18px;color:var(--navy)}
section .lead{text-align:center;font-size:1.1rem;color:var(--muted);max-width:720px;margin:0 auto}
.soft{background:var(--bg-soft)}
.soft>section{padding-top:56px;padding-bottom:56px}

.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px;margin-top:30px}
.feature{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px}
.feature h3{color:var(--navy);margin-bottom:6px;font-size:1.15rem}
.steps{counter-reset:s;list-style:none;margin-top:28px;display:grid;gap:14px}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px 16px 62px;position:relative}
.steps li::before{content:counter(s);position:absolute;left:18px;top:14px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}

/* Cards */
.cards{display:flex;gap:24px;margin-top:30px;flex-wrap:wrap;justify-content:center}
.card{background:#fff;border:1px solid #ddd;border-radius:12px;padding:30px 24px;flex:1 1 260px;max-width:300px;text-align:center;box-shadow:0 4px 12px rgba(0,0,0,.08);transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-4px);box-shadow:0 8px 20px rgba(0,0,0,.12)}
.card h3{font-size:1.4rem;color:var(--navy);margin-bottom:10px}
.card .price{font-size:1.5rem;color:var(--blue);font-weight:800;margin-bottom:16px}
.card .price small{font-size:.9rem;font-weight:600;color:var(--muted)}
.card ul{list-style:none;text-align:left;padding:0;margin-bottom:18px}
.card ul li{padding:6px 0;border-bottom:1px solid #eee;font-size:.95rem}
.card ul li::before{content:"✓ ";color:var(--blue);font-weight:bold}

/* FAQ */
.faq{max-width:780px;margin:24px auto 0}
.faq details{border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy)}
.faq details p{margin-top:10px}

/* Blog list */
.posts{display:grid;gap:18px;margin-top:28px}
.post-card{border:1px solid var(--line);border-radius:12px;padding:20px 22px;background:#fff}
.post-card h3{font-size:1.2rem;margin-bottom:6px}
.post-card h3 a{color:var(--navy);text-decoration:none}
.post-card h3 a:hover{text-decoration:underline}
.post-card p{color:var(--muted)}

/* Article */
article{max-width:760px;margin:0 auto;padding:40px 20px 56px}
article .crumbs{font-size:.9rem;color:var(--muted);margin-bottom:14px}
article .crumbs a{color:var(--muted)}
article h1{font-size:2.1rem;line-height:1.25;color:var(--navy);margin-bottom:10px}
article .meta{color:var(--muted);font-size:.95rem;margin-bottom:24px}
article h2{font-size:1.5rem;color:var(--navy);margin:34px 0 10px}
article h3{font-size:1.15rem;color:var(--navy);margin:22px 0 8px}
article p{margin-bottom:14px}
article ul,article ol{margin:0 0 16px 22px}
article li{margin-bottom:6px}
article table{width:100%;border-collapse:collapse;margin:10px 0 20px;font-size:.95rem}
article th,article td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
article th{background:var(--bg-soft);color:var(--navy)}
.tldr{background:var(--bg-soft);border-left:4px solid var(--navy);padding:14px 18px;border-radius:6px;margin:0 0 24px}
.cta-box{background:linear-gradient(135deg,#1a3a5c,#2a6496);color:#fff;border-radius:12px;padding:24px;margin:34px 0;text-align:center}
.cta-box p{margin-bottom:14px}
.note{font-size:.9rem;color:var(--muted)}
.table-wrap{overflow-x:auto}

/* Contact form */
.contact-form{max-width:520px;margin:24px auto 0;display:flex;flex-direction:column;gap:14px}
.contact-form label{font-weight:600;font-size:.95rem}
.contact-form input,.contact-form textarea,.contact-form select{width:100%;padding:10px 12px;border:1px solid #ccc;border-radius:6px;font-size:1rem;margin-top:4px;font-family:inherit}
.contact-form input:focus,.contact-form textarea:focus,.contact-form select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(42,100,150,.15)}
.contact-info{text-align:center;margin-top:8px}

/* Footer */
footer{background:var(--navy);color:#dfe8f1;padding:34px 20px;font-size:.92rem}
footer .cols{max-width:960px;margin:0 auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px}
footer h4{color:#fff;margin-bottom:8px}
footer a{color:#dfe8f1;text-decoration:none}
footer a:hover{text-decoration:underline}
footer ul{list-style:none}
footer .legal{max-width:960px;margin:22px auto 0;border-top:1px solid rgba(255,255,255,.15);padding-top:14px;text-align:center}

@media (max-width:640px){
  .hero{padding:52px 16px}
  .hero h1{font-size:1.8rem}
  section h2{font-size:1.6rem}
  article h1{font-size:1.65rem}
  nav.main{padding:10px 16px}
  nav.main .links{gap:14px;font-size:.95rem}
  nav.main .btn{display:none}
}

.disclaimer{max-width:960px;margin:22px auto 0;font-size:.82rem;color:#c9d6e3;line-height:1.5}
.disclaimer-box{background:#fff8e6;border:1px solid #f0d58a;border-radius:8px;padding:14px 16px;font-size:.92rem;margin:26px 0}